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789 posts

Ultimate Geek


  # 2282203 23-Jul-2019 14:42
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gbwelly:

 

KiwiSurfer:

 

Kiwibank is dropping Bank Cheques at the same time so that rules out that option as well. A bit of a shame as I think keeping bank cheques would have been ideal.

 

 

I know buying a car has been discussed, but all you grown ups seem to buy from a dealer. As someone who buys from private sellers, the idea of me standing on the footpath having them look over my shoulder while I transfer the money on my phone is a no go, as is depositing the money the night before without the car in my possession.

 

I guess I'll have to face the staff outrage of withdrawing large sums of money as cash. Kiwibank also suck at that -I cleaned out a smaller branch once, with them resorting to denominations as small as $5.

 

 

 

 

Banks won't have a problem with it if you give them some notice. Banks don't actually hold that much cash anymore. From memory (about seven years ago) there would be less than $100k held at a fairly large bank I worked at.




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  # 2282295 23-Jul-2019 15:25
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I have some complaints about Kiwibank, but that isn't one of them. It is reasonable to let a branch know you intend to make a large withdrawal, and then it isn't a problem. I have also had good contact with them when heading overseas. Tell them when you are going and they won't block your account if you suddenly start making withdrawals. 

 

Until my recent bad experience, I was always a fan of Kiwibank service. I didn't feel lost in the crowd, as you do with a large excessively formal institution. I regret the change.

 

 





I don't think there is ever a bad time to talk about how absurd war is, how old men make decisions and young people die. - George Clooney
 


 
 
 
 


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  # 2282357 23-Jul-2019 19:20
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Rikkitic:

I didn't think I was implying that, but it doesn't inspire confidence or speak highly of customer service (or even competence) if it depends entirely on the person you happen to be dealing with. That is hardly professional.

 

Apart from that, the supervisor insisted I had phone banking on my account, which was news to me. So when I was forced by her intransigence to drive a half-hour to the nearest Kiwibank to do the transaction in person, I decided to ask about it. The teller said I did have it and she gave me a new pin code since I had no idea what the old one was supposed to be. I just got around to trying it today. It doesn't work, of course.

 

 

 

You appear determined to continue to inflict pain on yourself (-; Phone banking was a thing in the days before dial-up internet. Go straight to internet banking, you won't regret it.

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  # 2282363 23-Jul-2019 19:32
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gbwelly:

 

I know buying a car has been discussed, but all you grown ups seem to buy from a dealer. As someone who buys from private sellers, the idea of me standing on the footpath having them look over my shoulder while I transfer the money on my phone is a no go, as is depositing the money the night before without the car in my possession.

 

 

If I was the seller, I wouldn't be accepting cheques at all given the very real risk of people writing cheques they know won't be honoured. Do private car sellers typically accept cheques?

 

To me transferring money on a phone or other electronic device seems the safest option by a long margin for both sides of the transaction.


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  # 2282365 23-Jul-2019 19:37
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I always buy cars from a dealer, but I have to confess to being slightly nervous about the (admittedly very remote) possibility of the dealer going bust in the time between processing payment and taking delivery of the vehicle. I always pay no more than a couple of days prior to the delivery appointment, but have considered if a bank cheque would be a better option to mitigate against this risk. 


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  # 2282372 23-Jul-2019 19:51
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KiwiSurfer:

 

gbwelly:

 

I know buying a car has been discussed, but all you grown ups seem to buy from a dealer. As someone who buys from private sellers, the idea of me standing on the footpath having them look over my shoulder while I transfer the money on my phone is a no go, as is depositing the money the night before without the car in my possession.

 

 

If I was the seller, I wouldn't be accepting cheques at all given the very real risk of people writing cheques they know won't be honoured. Do private car sellers typically accept cheques?

 

To me transferring money on a phone or other electronic device seems the safest option by a long margin for both sides of the transaction.

 

 

You appear to have removed the quote I was replying to -A Bank Cheque, not a personal cheque.

 

mudguard:

 

Banks won't have a problem with it if you give them some notice. Banks don't actually hold that much cash anymore. From memory (about seven years ago) there would be less than $100k held at a fairly large bank I worked at.

 

 

If only there was some sort of promissory note they could write which would mean they don't need to summon all that physical cash.








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  # 2283045 24-Jul-2019 19:56
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KiwiSurfer: If I was the seller, I wouldn't be accepting cheques at all given the very real risk of people writing cheques they know won't be honoured. Do private car sellers typically accept cheques?

 

To me transferring money on a phone or other electronic device seems the safest option by a long margin for both sides of the transaction.

 

Time to find a local escrow company?

 

What is escrow: An escrow is a financial arrangement where a third party holds and regulates payment of the funds required for two parties involved in a given transaction. It helps make transactions more secure by keeping the payment in a secure escrow account which is only released when all of the terms of an agreement are met as overseen by the escrow company.





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47 posts

Geek


  # 2283095 24-Jul-2019 21:18
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Their wait times have been something awful lately. With that said, I truly have no idea why someone capable of using this forum would willingly choose not to use online banking.




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  # 2283097 24-Jul-2019 21:21
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boosacnoodle:

 

Their wait times have been something awful lately. With that said, I truly have no idea why someone capable of using this forum would willingly choose not to use online banking.

 

 

It's a real mystery, ain't it?

 

 





I don't think there is ever a bad time to talk about how absurd war is, how old men make decisions and young people die. - George Clooney
 


4663 posts

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  # 2283136 24-Jul-2019 22:45
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I think you know the answer though.


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